If you have been following any of our blogs, you’ll know that we write a lot about general insurance… especially motor insurance.
Why? What’s the big deal? Why do we keep writing so much?
On the obvious note, we write about insurance because, well, we enjoy hearing that our articles are useful to fellow readers!
Most importantly, we were exactly in your shoes…with not a clue on WHAT/HOW/WHERE/WHEN to do an insurance claim.
Don’t worry! We understand the struggle and hope to help you. Read on below!
Familiar? This is my car after an accident ☹
So how do I make a claim?
If you haven’t read our previous blogs, click on ‘My First Car Accident Experience’ or ‘Letter to Reader : Tips 101 on Making Claims’ to read them!
- For Comprehensive policyholders:
- Regardless of who is at fault, you can make a claim from BOTH your insurer or the other person’s insurer.
- It is ALWAYS quicker to claim from your insurer!
- If you are not at fault, you will NOT lose your NCD by making a claim.
For Third Party Fire & Theft policyholders:
- If you are NOT at fault, you can only make a claim at the other person’s insurer.
- If you are at fault, you cannot make any claim against your insurer or other person’s insurer and you will lose your NCD.
2. Get your documents ready for submission to your insurer/workshop:
- Completed Claims form
- Police Report (Original)
- Updated Vehicle Registration Card
- Insured & Driver’s Identification Card (copy)
- Insured & Driver’s Driving License (copy)
- Insurance Policy/Certificate (copy)
- Hire Purchase Agreement (copy) – if applicable.
- Business Registration (copy)- if applicable.
- A signed Declaration Letter from Insured
- Third Party’s Police Report.
- Police finding or Police Compound.
- Police Sketch Plan and Keys – if applicable.
- Third party Vehicle’s Insurance Details.
The insurance company can only start processing your claim once all documents are received! So try not to forget anything!
3. Next, just check for any missed calls, emails and the post box for any further communication from the insurance company. The insurance company may request for more information and documents, and/or just keep you updated with the progress of your claim.
Disclaimer: The information contained in this blog (POI2u) is provided for informational purposes only and should not be construed as advice on any matter.